If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login


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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Student Loan Calculator

Find a student loan calculator at ACCC.

A student loan calculator can be a useful tool in determining how your student education loans will affect your financial picture when you’re done with school.

A student loan calculator enables you to enter your anticipated income after graduation and determine how much of your annual budget you’ll need to put toward your student loans payment. Using a student loan calculator before you take out loans can help you determine how much you can afford to borrow, while using a student loan calculator as you prepare to graduate can help determine what kind of student loan assistance you may need to repay your debts.

Whether you need help using a student loan calculator or information about student loan debt consolidation, the professional credit counselors at American Consumer Credit Counseling (ACCC) can help.

Student loan calculator and other educational material.

ACCC is a nonprofit organization dedicated to helping people get out of debt and learn to live debt-free in the future. We offer free credit counseling, a low-cost debt management program and a wealth of educational materials on our website — including a student loan calculator and other helpful information about student debt.

In the Financial Education & College section of our website, you’ll find a number of tools in addition to a student loan calculator that can help you manage the expense of education more effectively. A Back-to-School Budget Calculator can help you consider your school-related expenses. Our College Savings Calculator is a helpful tool for determining the amount you need to save each year to fund a college education. And our College Cost Calculator can help you estimate how much college will cost when you or your student are ready to get a degree.

Beyond the student loan calculator: how to pay off student debt.

In addition to helping you with a student loan calculator, we provide free credit counseling to help you explore your options for paying off your student loans. After taking a detailed look at your financial picture, our credit counselors will outline all of the repayment options and student loan programs available to you and help you choose the one that makes the most sense for your financial situation. You can learn how to consolidate student loans most effectively, how to restructure your repayment plan, and about your eligibility for deferment or forbearance or for student loan forgiveness programs.

Go to the student loan calculator now, or learn more about options for paying off college debt.

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